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Here is a PBS video from this week... http://www.pbs.org/newshour/bb/american-dream-alive-twin-cities-everyone/ The video talks about how the Twin Cities is the best area to live in for Millennials. It is a great place if you like road biking (190 miles of paved bike/walk trails). TCBC is a great bi...

I feel like I'm reading my own story in many posts here. (#1) Marrying an intelligent, frugal spouse lead to... (#2) our living below our means and buying a good-but-inexpensive material goods including house, cars, etc., and (#3) our maxing out our tax advantaged and taxable investments in index fu...

Admitting that the behavior gap applies to oneself is an important part of investing. It requires the virtue of humility ("I am not super-human, and I will likely make mistakes that others have made."). I suspect that the behavior gap is even wider (on average) for investors who buy indivi...

Update: car back from repair and works great. I missed it while it was away. Shop said it should run for a long time now. It's due for another timing belt at 220,000 miles (last at 130k) but that's probably 2.5 years away at my current driving rate, so I'm good for a while. Thanks to all who provid...

My general rule is that if the service was bad enough for the server to deserve <15% tip, then it was bad enough to talk to the manager about. Otherwise, you're not being helpful, just cheap Yup. I give 20% typically. 15% if it was mediocre but not "talk to manager" bad. Below 15% and the...

YTD Vanguard Total International Index is up 3.5%. YTD Vanguard Total Domestic Index is up 1.33%. I'd stay the course. Interesting, keeps one grounded, thanks As of today, YTD Vanguard Total International Index is up 6.19% . YTD Vanguard Total Domestic Index is up 3.54% . It does give some perspect...

Here is what I would do if there is no company match and 1-2% fees. 1. First, both of you should max out your IRAs. Roth IRAs are usually best if you are youngish. 2. Second, if you have more to invest and don't need the money until retirement, I would contribute to the 403b. You are likely to chang...

It depends on what and how much you have in taxable (more info might help, even percentages are ok). Depending of what you have, I might just leave the taxable portion alone if it was 100% stocks, and just (for the sake of ease) count it as part of my stock portion. Then I would use either a Lifestr...

According to today's NYTimes article "How Many Mutual Funds Routinely Rout the Market? Zero," the OP's information is almost certainly misleading and false. The bull market in stocks turned six last Monday, and despite some rocky stretches — like last week, when the market fell — it has ge...

We have a rule of thumb: we only drive if we will be staying at the destination twice as many days as the drive. Since you will be driving for 4 days, you would need to stay for 8, for a 12 day total trip.

You will be driving 4 days and staying 1-3 days. I'd fly if I were you.

I have 1/3 International and 2/3 Domestic. I'm staying the course. I think there is a chance that International, over the next 30 years or more, might outperform domestic. It is certainly the higher risk value play right now by many measures.

You have a great employer plan. Invest only in the sub 0.20% ER funds and you will be fine. Even if you had many more funds to choose from in your plan, if I were you I'd still either use 100% Vanguard Target Date funds or a mix of VIIIX/VMCPX. I'd probably do for former. Those funds are all you need.

In the fall of 2013 we test drove extensively the Subaru Outback, Subaru Forester, and Toyota Rav4. No question for us - the Subarus are superior to the Toyota. Our Forester saved us last winter - 7 feet of snow in WV, lots of ice, and the Forester made it through everything. Like the morning we ha...

The Target Retirement Fund is a mutual fund that you can buy and put into any Vanguard account. A Roth IRA Vanguard account will never be taxed, so you can put tax inefficient funds into it and avoid any taxes. A taxable Vanguard account is taxed annually, and so you should use tax efficient funds. ...

Others will surely have good advice, but here is some brief stuff... 1. Make sure you have an emergency fund in a savings or money market account at a bank or credit union (squirrel away about 3-6 months worth of expenses). 2. Open a Vanguard Roth IRA and contribute $5500 between now and April 15 20...

I suggest you think very long and very hard about doing this in the first place... Not really helpful, I really do know the risks, not interested in hearing about them again. I think that is the most helpful response you could get...the fact that you don't want to hear it is another matter. When yo...

There is nothing in distilled water that can be removed by a charcoal filter. I am not a doctor …. I would state that differently, there is nothing normally in distilled water that can be removed by a charcoal filter. Certain volatile organic compounds will certainly not be removed from water that ...

Buying individual stocks recommended by the Motley Fool website way back in the day. Former Fool here. I haven't bought an individual equity in years, and lost more than a few bucks on some misguided Fool picks. I seem to recall one of their newsletters touting Toll Brothers (the home-builder) arou...

Buying individual stocks recommended by the Motley Fool website way back in the day. They are still "pushing" individual stocks, like in this article from yesterday... http://www.fool.com/investing/general/2015/01/18/record-low-solar-energy-price-is-a-lot-cheaper-tha.aspx I'm glad I know b...

In an interview, Mr Fink said that investors who simply tracked equity market indices would have been less able to profit from the recent tumble in the oil price, because they would be exposed to winners and losers alike. It's great to know that their employees have finally attained clairvoyance. T...

You could buy the Vanguard ETFs like VTI there, but you would very likely be paying fees and costs in addition to the small Vanguard ETF expense ratio (0.05% on VTI). It wouldn't surprise me if that added fee/cost was around 2% or so once all the hocus pocus was revealed. An added 2% in fees over 40...

Unfortunately I live in an area with a hot real estate market - Brooklyn. Buying is expensive, particularly if you hope to raise a family and have room for one. Where does the money come from? I found this article - http://www.forbes.com/sites/zillow/2013/04/16/high-home-price-to-income-ratios-hidi...

One aspect of DIY car maintenance is that you need physical access to the part. If the sensor can't be accessed without raising the vehicle, it's better to take it to a pro. Otherwise, you'll have to invest in a pair of car ramps that can safely support the CR-V. The car's tire jack is not intended...

I would bet on the upstream o2 sensor. That one (not the other downstream one on the catalytic converter) controls the fuel air mix. If it is a bit off it will often NOT trip the CEL (check engine light) but it can lower mileage by ~15%. Winter (due to cold, different winter fuel at the pump) could ...

Then 300 pounds times .23 ounces of gold times 690 current dollars/ounce gives us $47,610 today's dollars. Whereas $1320 dollars (1800's) divided by $20/ounce times 690 current dollars/ounce gives us $45540 today's dollars. Pretty close. Just a minor detail, but the current spot price of gold is $1...

If you have a household with two professional careers, it is easy if you live entirely off of one salary and invest the other in a simple 3-fund portfolio. In a couple of decades you will likely have well over $3 million.

Many (if not most) Toyota vehicles now require 0w20. Here is a quote from Toyota.com... Toyota vehicles in which 0w-20 synthetic oil is required (except for the 2TR-FE and 3UR-FBE Engines*) have been approved for extended oil change intervals of 10,000-miles/12-months. http://www.toyota.com/owners/w...

Can anyone specifically comment on coverage with Page Plus, coming from Verizon? Verizon is by far the best coverage for me, and every time I look, I'd only save ~$12/month, and am not sure I want to take the risk of loosing out on a solid plan (grandfathered unlimited data plan with $20 discount a...

The average SS monthly check is now $1,262 for someone 65 or older. That does include some people who took SS early, and some people who did not contribute much to SS during their working life, but $2000/month sounds a bit high for someone taking SS at 65. I would guess that one would need to wait u...

This kind of post is common here. People new to the forum claim to have discovered some fundamental flaw in the boglehead philosophy. The "flaw" is often presented with dramatic assertions, contentious economic theories, and misunderstandings of the boglehead philosophy. It is instructive,...

After tinkering w/ value tilting and REIT tilting I have discovered that the more I learn the more I don't know. This is one of the wiser things I have heard in a while. Despite the higher ER of 0.14%, I would go with VXUS rather than VEA/VWO. Both VEA (0.09%) and VWO (0.15%) are large cap funds. V...

I had a serious case of this but it wasn't shoes or doctors that cured me. It was a simple little exercise my wife taught me. Maybe you've seen it but here it is: In your bare or stocking feet (shoes off), stand facing a wall about three or four feet away from the wall. Stretch out your arms, keep ...

I had a serious case of this but it wasn't shoes or doctors that cured me. It was a simple little exercise my wife taught me. Maybe you've seen it but here it is: In your bare or stocking feet (shoes off), stand facing a wall about three or four feet away from the wall. Stretch out your arms, keep ...

The general rule is that, in the short term, the market goes up 2/3rds of the time and down 1/3rd. So why would I want to keep dry powder (which is just uninvested money destined for the stock market)? 2/3rds of the time, I'd be wrong to keep the money uninvested. In the last few years, there were f...

Suburbs of the Twin Cities. For example, Orono, MN Wayzata, MN Maple Grove, MN (2nd best place to live in US, according to Money Magazine this year - http://time.com/money/3312310/maple-grove-minnesota-best-places-to-live/ ) Plymouth, MN (been in Money's top ten list a few times recently) Woodbury,...